Kate Routledge graduated from Bristol University in 1982 where she read Economics with Statistics. She qualified as an actuary in 1988.

She worked first for Equity & Law (now AXA Sun Life) and then for pension consultants Noble Lowndes & Partners (now Mercer Human Resource Consulting).  After a short break with young children, she returned to work at the Wesleyan Life Assurance Society before joining Garvins, a firm of pensions consultants based in Bromsgrove, in 1998.  Since October 2000, she has been an independent consulting pensions actuary specialising in providing technical calculations and advice on the mis-selling of personal pensions review and since, 2001, in providing actuarial advice to solicitors on the issues of pensions on divorce and loss of pension rights in damages cases.  She has worked with Collins Actuaries and its predecessor company since 2000.

She has dealt with all aspects of occupational pension schemes including actuarial, administration and documentation.  This work has included providing advice to Trustees regarding the level and pace of funding required to meet benefit promises and individual calculations regarding the level and value of member benefits - in particluar Cash Equivalent calculations.

She has extensive knowledge of public sector schemes and a wide range of private sector final salary pension schemes including their benefit structures, Cash Equivalent calculation basis and pension sharing calculation basis.

She regularly gives presentations for Resolution and has provided many training courses for lawyers on the subject of Pensions on Divorce

She has considerable experience in advising on the amounts required to compensate individuals for loss of earnings or loss of retirement benefits as a consequence of accidents or divorce and has provided over 1000 expert witness reports for solicitors and their clients.